CTFO MLM Review (2022 Update): Best MLM Company Or Epic Scam? #17 Will Shed Some Light!

By: Brittney

You probably found this CTFO MLM review while looking for ways to make money online, but is it legit? This will shock you because...
This CTFO MLM review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

The Good Stuff

CTFO Has Been Around For A Long Time
You Can Make Money With It
It's Not Expensive To Join

The Bad Stuff

People Avoid MLM's Like The Plague
Very Few People Make Significant Money
Friends And Family Are Likely To Start Avoiding You

Firstly, Why Am I Writing This Review?

Nice to meet you, my name is Brittney!

My story starts  like many do… “slaving away” at a 9-5 job that I didn’t really enjoy, but hey – it paid the bills.

I worked for a large Fortune 500 company that performed background checks for other companies when they wanted to hire a new employee… so you know, not exactly exciting stuff.

For a lot of people, a nice stable job and predictable check coming in every month is the picture of success, but for me, it felt like I was missing out on life.

Clocking in every single day, doing the same tasks over and over again, getting home with barely enough time to make dinner and enjoy some time to myself… only to wake up again the next morning and do it all over again.

I just wanted to enjoy life without being shackled to an unfilling job. 

I wanted to be able to take vacations whenever I wanted, for however long I wanted.

I didn’t want to have to beg my boss for a salary increase that barely matched inflation.

I just wanted to be free and happy.

Then about 4 years ago (as a stroke of luck), I stumbled across a program that taught me how to make money online by actually helping real people (local US businesses).

my concrete site

The image above shows an example. This mini website brings me in around $1,250 every single month, and I haven’t touched it in over 2 years.

That’s $15,000 per year in my pocket without having to really do anything.

Just helping small mom-and-pop shops keep their lights on and grow.

So it makes sense why local lead generation is my top online business for passive income. If you’re curious how that business model works, you can read more here.


Who Cares About That?

99% of reviewers out there don’t have experience running an actual business. They’re writing about stuff that they have no real experience with.

Why would they do that?

They just want you to click through and buy the  program that the review is about!

I have absolutely no relationship with CTFO MLM, so you can rest easy knowing that I’m going to give you my honest opinion.

This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

CTFO MLM Review 2022

Are you interested in CTFO and the business opportunities it offers?

In this article, we’ll look into CTFO to see if it truly is the best MLM out there.

We’ll discuss whether CTFO MLM is a good online business for you.

Lastly, I’ll answer some of the most often asked questions about CTFO and MLM in general.

But before we get too deep.

This CTFO MLM review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Chances are you heard about CTFO because someone – a friend or family member – introduced you to the company. Maybe you attended an online workshop or webinar, or maybe an in-person information session.

Your head’s probably spinning. This might be the first time you’ve heard about a real way to make money outside of a typical job.

So first off, congratulations!

You’ve just entered a whole new world…the world of making money on your own terms.

However, you came in through the wrong door.

Because CTFO is – plain and simple – an MLM. Throw whatever fancy name you want on it…multi-level marketing (MLM), network marketing (NWM), direct sales, or anything else, it’s the same concept:

You pay some money upfront for the “opportunity” to sell products.

The products are typically low-quality but with high price tags (because fancy labels and stuff).

You’re told that the key to building your own successful business is selling these products to friends and family, and getting them on a subscription (so you get “monthly recurring revenue”).

Unfortunately, like most people who get taken in by these types of schemes, you’ll quickly discover that the well runs dry faster than you imagined.

After all, they make it sound really simple. “Just get 5 people you know onto this magic widget, and things will just grow from there.”

And in your head, you think “How hard can it be? I know plenty of people, 5 will be easy.”

But then you do it, and you realize people look at you like you’ve joined a cult. You’ve become “that person”, who joined an MLM, and is now trying to sell questionable products or services to everyone they meet.

It puts a strain on your relationships, and you end up stuck between two worlds.

But it’s not your fault. These companies spend millions of dollars each year figuring out exactly how to brainwash and recruit people. And that’s why we’re here.

To help you find a better way before it’s too late.

So, what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Inventory
  • Selling to friends and family
  • Selling to strangers
  • Recruiting people
  • Dealing with questionable products that weigh on your conscience

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?

If that sounds like something you’d be interested in, check out Digital Real Estate. 


This is nothing like MLM, and that’s probably a good thing.

However, if you’d still like to know more about CTFO, keep reading.

What Is Changing The Future Outcome (CTFO) MLM?

Changing The Future Outcome (CTFO) is a Multi-Level Marketing health and wellness company. CTFO CBD Oil is their flagship product, and the company was founded in 2015.

This review will go over CTFO in more detail and show you the hard facts before you sign up.

CBD for Health, Beauty & Wellness

CTFO (MyCTFO.com), founded by brothers Stuart and Steve Finger and Michael Khan, is a network marketing company that provides a business opportunity in the CBD Oil and Hemp Oil industries.

They are based in London, United Kingdom.

Since the company’s rebranding from weight loss to CBD Hemp Oil Products, CTFO has stood for Chew The Fat Off.

CO2 extraction is used in the production of their CBD products. They are also non-GMO and pesticide-free. They only use the best quality and purest organic ingredients without heat processing. Also, they are cruelty-free.

CTFO Review: Summary

Name: Changing The Future Outcome (CTFO)

Founders: Steve & Stuart Finger and Michael Khan in 2015

Corporate Executive Vice President: Steve Finger

Type: Health and Wellness CBD Oil– Multilevel Marketing/ Network Marketing

Products (Including Pricing): 20 out of 100

Success Stories: 10 out of 100

Price to Join: Free

  • $19.95 per month (premium membership)
  • $47.47 “auto-ship” of products every month (40 out of 100)

Best For: Those who like MLM and are good at selling and recruiting

Rating: 30/100

Recommended: NO


Yes, it is a multilevel marketing company.


What Do I Look For In An MLM?

  • Low start-up and maintenance costs
  • Products that are both high-quality and inexpensive
  • There is no need to keep inventory.
  • Having an affiliate-like arrangement
  • A compensation plan that is generous
  • The company is in its startup phase.

What Is The Changing The Future Outcome (CTFO) MLM Product Line?

CTFO offers a variety of products in the following categories:

  • Health – CTFO CBD oil, healing cream
  • Nutrition – CBD gummies, protein shakes, pain relief oil, etc.
  • Anti-aging – sun cream, hair growth shampoo/conditioner CBD anti-aging serum, massage oil, mud mask, bath bombs, etc.
  • Pets –  Hemp chews & CBD spray

CTFO Products

Keep in mind that the CBD industry is already oversaturated.

However, CFTO makes an effort to stand out with its flagship product- The CBD OIL.

First, it’s important to understand why people buy CBD oils – it comes from the cannabis plant, so there’s some uncertainty over whether the product is legal in some states and countries.

Tetrahydrocannabinol (THC), the component of cannabis that causes the “high,” is present in the oil in small trace (less than 0.3%).

CTFO CBD oil has been found to be beneficial for a variety of illnesses, including:

  • Pain relief
  • Alleviates cancer symptoms
  • Lessens anxiety and depression
  • Reduces blood pressure
  • Reduces acne
  • Reduces diabetes
  • Reduces the symptoms of Parkinson’s disease and epilepsy
  • Improve immune system

However, taking this regularly has a few advantages for some people.

Also, more research is required to back up some of these claims.

MLM Quick Report on Changing The Future Outcome (CTFO)

Summary: CTFO is an MLM company in the health and wellness industry that focuses on CBD oil products produced from cannabis and is said to offer multiple health benefits.

The majority of CTFO associates lose money due to high rates and monthly fees to be “active.” As a result, they can only make money by recruiting a lot of people.

Recommended: No

Can You Make Money With CTFO Products?

Yes, You can!


There’s a lot that comes along with Network Marketing (MLM) that many people struggle with.

In fact, check out the Top 5 Reason Why Most Network Marketers Fail.

Now, don’t get me wrong…

You can certainly make money with MLM, but if you’re going to put in the effort to learn the ropes (which, believe me, isn’t easy), you may as well make some REAL money while you’re at it.

Two Ways To Make Money With CTFO MLM

You can earn money as a CTFO associate by doing the following:

  • Selling their products for a 30% commission
  • Recruiting people and getting bonuses on their sales

NOTE: You do not immediately profit from recruiting new members to this community. You are only compensated for the sales of your downline.

However, because you must pay $47.47 every month, you can see that the more people you join, the more money and bonuses you get.

how to make money with ctfo

CTFO Compensation Plan 1: Make Money Through Sales

The first way to generate money in CTFO is to sell products directly to customers and earn a retail commission on them. Each product sold by the brand is marked up by 30%.

Compared to other MLMs such as Hempworx, Emris, and Kannaway, this is a pretty high retail commission rate.

CTFO Compensation Plan 2: Make Money, Build A Team

Create a strong team by recruiting people and building a large downline. You will be paid a commission on every sale made by your downline.

It works differently than other network marketing companies.

The company will not pay you for the people you recruit. You will only earn money if your downline sells.

build a team

How Does CTFO Work?

It offers a variety of health and wellness products.

It enables people to “work from home” and earn money by selling things and recruiting people.

The company saves money on marketing and having staffed physical stores/offices all throughout the country with this setup.

How To Get Started With CTFO MLM?

To begin with, it appears to be technically FREE… But, realistically, you must purchase specific products to try and sell them.

So, if you join, I recommend that you buy a “Business Builder Pack.”


CTFO Compensation Plan

Their compensation plan is pretty complicated – about 13 pages of math, Yikes!

However, here are some key points that I learned from my review:

There are just five (5) ways you can be compensated under the Compensation Plan:

  • Retail Income– (30% commission)
  • Uni-level Commissions – Bonuses from downline sales (5 levels deep – 20% or 4% depends on downline rank)
  • Matrix Commissions –more bonuses from downline sales (21 levels deep 1% bonus)
  • Profit-Sharing Positions In The Matrix (PSP’s) – only 3 in the matrix below you
  • Infinity Bonus and the Top Gun Bonus Pool – additional bonuses from your downline

CFTO Monthly Loyalty Rank Bonus

CTFO Infinity $25k+ Bonus

CTFO Regenerating matrix pay

profit sharing (PSPs)

Is CTFO A Pyramid Scheme?

Is CTFO a Pyramid Scheme

Many people wonder if CTFO is a scam or just another Pyramid Scheme. No, it is not an outfight pyramid scheme because it is possible to earn money by selling products and earning commissions.

The better question for MLM companies, though, is… Is CTFO one of those “pyramid schemes in disguise?”

It is certainly possible to build a profitable, successful MLM business using CTFO… However, there are better ways to build a business than through MLM.

What Do I Like About CTFO MLM?

I like it for its high-quality products. The brand has received positive product reviews.

What Don’t I Like About CTFO MLM

  • Expensive products
  • Monthly sales quota
  • Non-transparency
  • Pyramid scheme in disguise
  • Downward trend

Expensive CTFO Products

I thin their products are overpriced. When compared to other products in the CBD market, they can cost up to 200% more.

The price of their flagship CBD oil product is $120. Also, the quantity is smaller when compared to other MLM companies.

Monthly Sales Quota

It is the only CBD oil MLM that has a monthly sales quota and charges a monthly fee to its partners.

CTFO Reviews: Is CTFO A Scam?

is CTFO a scam

So, is CTFO a scam?

Not technically. You can make money with this program, but it’s definitely not as easy as the company makes it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – the actual commissions are pretty small.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months and then your reward is a $50 commission, it’s not really worth it.

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

And, unlike an MLM, you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Is CTFO MLM Still In Business?

Yes, it is still in business and has been in operation for three years now.

Is Changing The Future Outcome (CTFO) MLM Legit?

Yes, it is a legit company.

However, the industry is unregulated, so you might be in trouble if the government decides to regulate it (or if you need a license to sell CBD Oil).

Are There Alternatives to CTFO?

are there alternatives

Yes, there are plenty of MLM companies to choose from if you want to pursue this business model.  Here are just a few:

What Is My Top Recommendation For Making Money Online In 2022?

Digital Real Estate

My review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2) You Own & Control EVERYTHING: With MLMs and Network Marketing, you don’t really own anything. You have no control over the quality of products. You don’t even own your “team”.

Look at the fine print for most of the agreements folks sign when they join one of these companies. At any point, the company can change your commission structure, reduce your profit margins, or kick you out entirely.

With Digital Real Estate, you own the assets, which means you have all the power and all the control.


3) Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.


4) No Inventory: Alright, so most MLMs don’t make you buy the products and fill your garage with them anymore (unlike the good ol’ days), but you’re still in a physical products business.

And physical products always have physical limitations. Even if you don’t have to manage the inventory, you still have to deal with supply chain shortages that cause major delays.

Imagine finally landing your first customer, and then losing them after one sale because they had to wait 6 weeks to get their order.

With Digital Real Estate, a 100% online business, you never even have to think about that risk.


5) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with an MLM, you’d have to double your customers OR double the average order size of your existing customers. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


6) Make Money Helping Real People: This part is what makes it all worth it. In an MLM, your “upline” might convince you that what you’re selling improves people’s lives, but deep down, you likely know that’s not true.

Most of the time, you’re either selling a dream or a poor-quality, overpriced product with a fancy label.

And that makes it pretty hard to sleep at night.

But with Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.


Now, the choice is yours.

You could continue browsing, looking at opportunities like CTFO which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

Table of Contents

Brittney Here!

I get to travel the world and live life without financial worry thanks to the system below!